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Terms and Conditions and Fees and Charges apply. Current interest rates are available here and are subject to change at any time. The Federal Government’s Financial Claims Scheme (FCS) protects depositors in the event that a financial institution becomes insolvent. The FCS is administered by the Australian Prudential Regulatory Authority, APRA. For further information on the FCS, including limits on the protection level, please visit http://www.fcs.gov.au. Rate current as at 12 January 2017.